Introduction
Buying car insurance is mandatory, but choosing the right coverage is equally important. Many car owners focus only on basic insurance and ignore add-ons, thinking they are unnecessary. In reality, add-ons can save you a lot of money during accidents, repairs, or unexpected damage.
Car insurance add-ons provide extra protection beyond standard coverage. In this article, we will explain the most important car insurance add-ons you should never ignore and why they are worth the extra cost.
What Are Car Insurance Add-Ons?
Car insurance add-ons are optional coverages that you can purchase along with your basic insurance policy. They offer enhanced financial protection for specific situations not covered under standard plans.
Add-ons slightly increase your premium but provide better claim benefits.
1. Zero Depreciation Cover
This is one of the most popular add-ons.
What it covers:
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Full claim amount without depreciation deduction
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Covers parts like plastic, rubber, and metal
Why it matters:
Without this add-on, insurers deduct depreciation during claims, reducing payout.
Best for:
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New cars
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Luxury vehicles
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Frequent drivers
2. Engine Protection Cover
Standard insurance does not cover engine damage caused by water or oil leakage.
What it covers:
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Engine repair costs
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Gearbox damage
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Hydrostatic lock
Best for:
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Areas prone to flooding
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Monsoon driving conditions
3. Roadside Assistance Cover
Breakdowns can happen anytime.
Services include:
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Towing service
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Battery jump-start
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Flat tire replacement
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Fuel delivery
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Lockout assistance
This add-on provides peace of mind, especially during long trips.
4. Consumables Cover
During repairs, items like engine oil, coolant, nuts, bolts, and brake fluid are not covered normally.
What it covers:
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Engine oil
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Coolant
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Brake oil
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Grease and lubricants
Ideal for those who want complete repair cost coverage.
5. Personal Accident Cover
This add-on protects the driver and passengers financially.
Coverage includes:
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Death
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Permanent disability
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Partial disability
It ensures financial support for your family in case of unfortunate events.
6. Key and Lock Replacement Cover
Losing car keys can be expensive.
What it covers:
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Key replacement cost
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Lock replacement
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Locksmith charges
Useful for modern cars with smart keys.
7. Tyre Protection Cover
Tyre damage is not covered under standard insurance.
Covers:
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Tyre burst
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Sidewall damage
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Accidental cuts
Best for bad road conditions.
8. Invoice Cover (Return to Invoice)
This add-on pays the original invoice value of the car in case of total loss or theft.
Includes:
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Ex-showroom price
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Road tax
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Registration charges
Highly recommended for new cars.
How to Choose the Right Add-Ons?
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Consider driving habits
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Road conditions
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Vehicle age
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Location risks
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Budget
Do not buy unnecessary add-ons, but never compromise on critical ones.
Are Add-Ons Worth the Cost?
Yes. Add-ons offer:
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Higher claim benefits
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Reduced out-of-pocket expenses
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Better financial security
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Stress-free ownership
Conclusion
Car insurance add-ons may seem optional, but they play a crucial role in protecting your vehicle and finances. Choosing the right add-ons ensures you are prepared for unexpected situations without heavy expenses.
Always review your policy carefully and select add-ons that match your driving needs.
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